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 You know it’s smart to save for retirement now. Here’s how to put a plan into action, from your twenties through your sixties. Monkey Business Images / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. You probably don’t need us to tell you that the earlier you start saving for retirement, the better. But let’s face it: For a lot of people, the problem isn’t that they don’t understand how compounding works. They start saving late because their paychecks will only stretch so far. Whether you’re in your 20s or your golden years…

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